How stable are my income sources and am I confident that my money will not run out?
Will my money's purchasing power allow me to maintain the lifestyle I worked so hard to attain?
As my life unfolds and needs evolve, how will I manage the unexpected?
Everyone is different, but these concerns remain most prominent when discussing our clients’ futures. The past few years have given many of us time to reflect and rethink how we do life. Technology has changed the way we work and play and has given us more options. Many still have their retirement date firmly set in their minds, while some clients never want to retire. They desire a work-optional lifestyle that lets them remain engaged in their vocation for the intellectual, physical and emotional benefits it provides. We are hearing more from our clients their concerns about their legacy - mainly what becomes and what can become of their accomplishments now and into the next generation.
We are here to help you pursue your retirement and legacy goals so you can live your ideal life with confidence.
At Headwater, we have an enriching philosophy about all things financial, a planning strategy that remains dynamic and fluid as your life unfolds and needs evolve, and our proprietary process that uniquely arranges all the pieces of your financial picture. To learn more about our philosophy, watch the video.
To address our clients' evolving needs, we developed a proprietary process called The MosaIQ Method. It is a foundational approach designed to continually monitor your critical life events and adjust to keep your plan on track. It is built on seven pillars - Asset Optimization, Risk Management, Tax Efficiency, Debt Management, Wealth Management, Legacy Planning and Value-Added Services. The MosaIQ Method ensures we never lose sight of the things that matter most to our clients and the things we can control.
Our process intelligently arranges your financial pieces in such a way to create a unique picture of your ideal life.
To learn about the MosaIQ Method, watch our video.
Schedule an Intro Meeting. Together we assess whether our practice's tenets and your service needs mutually align for a successful long-term relationship.
If there is a fit, welcome aboard! Our goal is to learn what you desire for your ideal life. We then create a personal financial profile to develop strategies to achieve your goals.
You will receive your Personal Financial Organizer (PFO) with your personalized strategies. Any final adjustments to the plan are made here.
The proper account types are determined, opened, and funded. The agreed-upon strategies are implemented and monitored.
Scheduled Strategy & Tactical Review meetings future pace the relationship to help anticipate changing needs and adjust strategies as needed.
Our proprietary investment research seeks to identify investments demonstrating an ability to produce better returns relative to the risk needed to generate them. We call this efficiency. Our research calculates numerical factors using daily price changes for each security we analyze so they can be effectively compared to both similar and dissimilar investments. By using daily factors, the research can pick up on trends and shifts in market movements. These factors provide valuable insight as to which investments either remain in, removed from or added to portfolios.
Watch the video to learn more about our investment research process.
Managing Director - Chief Investment Officer
Michael founded Headwater Asset Management in 2009 and serves as its president and portfolio manager. Michael has 30 years experience in financial management including 16 years in the financial services industry serving individuals,...
Client Engagement Director
Karen serves as Client Engagement Director and is responsible for new client onboarding and client communications. Karen holds a Bachelors of Science degree in Accounting from the University of Alabama. She has an extensive financial...